Ms. Chen has been part of Yirendai's Advisory Committee since January 2016 and been providing strategic advice and insight to Yirendai's senior management team on a broad range of issues including risk management, credit analysis, technology and business operations.

Previously, Ms. Chen served as Chief Risk Officer of LendingClub from 2011 to 2015 and was responsible for the establishment and enhancement of the credit and risk management organization.

Before LendingClub, she oversaw all risk management functions for the WaMu credit card portfolio at JP Morgan Chase.

Prior to JP Morgan Chase, Ms. Chen was Vice Chairman and Chief Credit Officer at Providian Financial Services, where she was instrumental in its turnaround prior to its acquisition by WaMu.

Her experience also includes executive positions with Fleet Credit Card Services and PNC National Bank, and management positions with Citicorp, American Express and Household Credit Services.

During her career, Ms. Chen has overseen multi-billion dollar business and credit risk portfolios and directed the large-scale implementation of credit risk management, business risk management, collections, fraud prevention, BASEL implementation and database marketing for operations both domestically and internationally.

Ms. Chen has also been appointed as a member of the Company's Audit Committee and Nominating, Compensation Committee and Corporate Governance Committee, replacing Mr. Qing Li.

She graduated with a BS degree in mathematics from The Southwestern Jiaotong University in China and earned an MSE degree in mathematical science from Whiting School of Engineering at The Johns Hopkins University. ■